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your credit score your money and whats at stake phần 7

"Trừ khi và cho đến khi điều đó xảy ra", ông viết, "chúng tôi hy vọng VantageScore để nâng cao chỉ là một thách thức tầm thường để FICONgoài ra, hãy cố gắng thực hiện vài tín dụng và thẻ ghi nợ càng tốt. Bạn càng thực hiện, cơ hội nhiều hơn rằng một kẻ trộm danh tính đã xác tàu tín dụng của bạn nếu ví tiền của bạn là bị đánh cắp. | Chapter 7 Rebuilding Your Score after a Credit Disaster 109 usually when trying to warn people away from the many scam artists who promise to erase all of the bad information on your credit report in exchange for a fat fee. I ve since learned that sometimes not always but sometimes you can get accurate information removed from your file especially if it has to do with an old collection account. Now the bureaus and Fair Isaac will tell you that this isn t playing fair that the integrity of the credit system depends on credit reports reflecting the most complete picture possible including all available negative and positive information. unfortunately the bureaus are still allowing far too much erroneous data to seep into their system and that s hurting consumers. The credit-reporting process is still weighted heavily in favor of lenders and collectors. That steams Jim Stephenson a Realtor in Branson Missouri who has watched several of his clients struggle with inaccurate credit information If I m a subscriber to the credit bureaus all I need is your Social Security number and I can tell them anything derogatory about you I want. Without question or hesitation this info goes onto your credit file. It can be extremely difficult to prove a negative. How do you prove that you don t owe me money Jim wrote. Time and again I have witnessed firsthand the inability of a client to have misinformation that is irrefutably not my client s debt removed without a protracted and costly fight. Why is this It s because the burden of proof is on the accused not the accuser. The issue of re-aging can be particularly troublesome. The seven-year limit on reporting most negative items was designed to give consumers some protection against relentless creditors. in effect lawmakers were trying to prevent collection agencies from creating a sort of perpetual debtors prison for people who had made mistakes. Congress even strengthened the law in the mid-1990s to prevent collectors from .